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Author iPhone insurance claim (help)....
J4M13
Member

Registered: 15th Apr 06
Location: Bacup (Rossendale)
User status: Offline
13th Jan 10 at 11:58   View User's Profile U2U Member Reply With Quote

To start off i know im most probably going to get replies along the lines of 'its your own fault' etc

Basically, i decided i wanted to change the housing/casing on my iphone, changed it all no problems but now the phone is fubarred, wont get any signal and theres no sound anymore and so on.
This was the other month and i stopped using it obviously because i couldnt and have been using a friends LG since so i could still use my sim card(contract).
I rang up this morning to claim on my insurance for a new handset and told them it was lost(if i had to send them the phone it would have void the warrenty with changing the casing etc), but o2 have declined my claim and wont replace the phone Its only about 4 months old so im gutted.
They declined the claim on the grounds that i have been using my sim card in the LG for ages and the iphone hasnt been being used.

The only options they gave me were to appeal against the decision or buy a new handset which we all know iphones arnt cheap.
Does anyone think there's any chance of me getting the decision overturned? and how could i word the appeal?

cheers for any help
jamied
Member

Registered: 27th Oct 03
Location: Marbella,Spain Drives: C63
User status: Offline
13th Jan 10 at 12:32   View User's Profile U2U Member Reply With Quote

say u havent claimed because u have been busy? and used your spare phone? cheeky bastards arent they
Joe
Member

Registered: 20th Jun 04
Location: Hesketh Bank, Lancashire
User status: Offline
13th Jan 10 at 12:35   View User's Profile U2U Member Reply With Quote

I can't see it, they obviously know you have been using the sim so can prove that you haven't lost it. You are trying to con them and they know it so I doubt you will change their mind.
jamied
Member

Registered: 27th Oct 03
Location: Marbella,Spain Drives: C63
User status: Offline
13th Jan 10 at 12:37   View User's Profile U2U Member Reply With Quote

ah shit I never thought of that lol
Could say you didnt like the iphone so used a spare phone although now I think about it does seem unlikely that they will see this,
Sell the iphone as faulty on ebay?
mattievRS
Member

Registered: 20th May 06
Location: Leicester
User status: Offline
13th Jan 10 at 12:44   View User's Profile U2U Member Reply With Quote

Try taking it to a stall on the market who do repairs or to a phone shop.

But its your own fault for trying to pull a fast one so expect to have to shell some cash out imo.

[Edited on 13-01-2010 by m17tty]
Leighton
Member

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Registered: 21st Feb 01
Location: Liverpool
User status: Offline
13th Jan 10 at 12:51   View Garage View User's Profile U2U Member Reply With Quote

you cannot say the phone is stolen, why didnt you just say you dropped it and it broke? if it was stolen you would not have your sim and would be asking for a new sim as well!
Shot your self in the foot, get used the the LG as its what you are stuck with now
Munchie
Member

Registered: 17th Jul 01
Location: I swap goats for mobile phones
User status: Offline
13th Jan 10 at 13:02   View User's Profile U2U Member Reply With Quote

send it to me, sounds like a easy fix
J4M13
Member

Registered: 15th Apr 06
Location: Bacup (Rossendale)
User status: Offline
13th Jan 10 at 13:02   View User's Profile U2U Member Reply With Quote

I told them i lost it last night which was when i last used my sim, i know iv fucked myself over but ill still try and appeal somehow even though i probably wont get anywhere. I should have claimed as soon as i broke it but didnt have the cash to pay the excess at the time. I might try taking it to a phone repairer and see if they can sort it somehow.
J4M13
Member

Registered: 15th Apr 06
Location: Bacup (Rossendale)
User status: Offline
13th Jan 10 at 13:04   View User's Profile U2U Member Reply With Quote

u2u sent Munchie.
Fro
Member

Registered: 20th Jun 06
Location: Rainham, Essex Drives: A3 2.0TDi Sport
User status: Offline
13th Jan 10 at 13:06   View User's Profile U2U Member Reply With Quote

Pretty sure they can find out what phone your sim card has been used in lately. They knew my girlf was using my old k800i even though she was on a blackberry contract.
J4M13
Member

Registered: 15th Apr 06
Location: Bacup (Rossendale)
User status: Offline
13th Jan 10 at 13:08   View User's Profile U2U Member Reply With Quote

yeah thats where my problem is fro, they could see i have been using the LG for a while and not the iphone.
J4M13
Member

Registered: 15th Apr 06
Location: Bacup (Rossendale)
User status: Offline
13th Jan 10 at 13:25   View User's Profile U2U Member Reply With Quote

Does anybody know if o2 will have blocked the iphone handset? when i rang them they said they have barred it and my sim card wont work obviously but the iphone still turns on and doesnt say anything about being blocked?
Munchie
Member

Registered: 17th Jul 01
Location: I swap goats for mobile phones
User status: Offline
13th Jan 10 at 13:30   View User's Profile U2U Member Reply With Quote

Send me the IMEI via U2U and ill check after my lunch
jamez_zz
Member

Registered: 9th Nov 06
Location: Hullywood
User status: Offline
13th Jan 10 at 13:43   View User's Profile U2U Member Reply With Quote

They will of barred the Phone, i did this(properly) a few years ago and they barred the phone there and then while i was on the phone to them. Its still Barred now.
J4M13
Member

Registered: 15th Apr 06
Location: Bacup (Rossendale)
User status: Offline
13th Jan 10 at 13:54   View User's Profile U2U Member Reply With Quote

Im still able to use the phone as we speak now though(internet etc).
Its being gay and saying iv got full signal now
jamez_zz
Member

Registered: 9th Nov 06
Location: Hullywood
User status: Offline
13th Jan 10 at 14:10   View User's Profile U2U Member Reply With Quote

Well thats supprised me. You using your Contract sim? Hopefully they wont report you for trying to commit Fraud.
Munchie
Member

Registered: 17th Jul 01
Location: I swap goats for mobile phones
User status: Offline
13th Jan 10 at 14:24   View User's Profile U2U Member Reply With Quote

internet always works on them, try making a call and it wont if its barred?which I will check soon, Jamez_zz what fone is barred?
jezza
Member

Registered: 19th May 07
User status: Offline
13th Jan 10 at 14:31   View User's Profile U2U Member Reply With Quote

Jailbreak it and make it a gameboy
jamez_zz
Member

Registered: 9th Nov 06
Location: Hullywood
User status: Offline
13th Jan 10 at 15:57   View User's Profile U2U Member Reply With Quote

Its a Blackberry Storm mate, its no good anyway.. i put it in the oven and melted the case.. hence the 'Ive lost it mr insurance man' lol.
dannymccann
Member

Registered: 9th Aug 06
Location: Doddington, Lincolnshire
User status: Offline
13th Jan 10 at 19:03   View User's Profile U2U Member Reply With Quote

Im sorry but you've rang them up and told its been stolen / lost so now you have a phone which could possibly have been fixed by someone like Munchie but will now probably get locked / barred forever

I know its not helpful but it is kinda your own fault
Doug
Member

Registered: 8th Oct 03
User status: Offline
13th Jan 10 at 19:07   View User's Profile U2U Member Reply With Quote

Not hard to change IMEI on iPhones. But that is 100% illegal !
adiohead
Member

Registered: 28th Sep 01
User status: Offline
14th Jan 10 at 01:36   View User's Profile U2U Member Reply With Quote

phone them up again and say you found it.

 
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